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Bad Credit Is OK! – No Startups!

Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply simply fill out the pre-approval form above now!


  • Simple 2-minute application
  • Approval within 24-hours
  • Funding within days
  • No Start Ups!


  • We work with many industries
  • You pay no upfront fees
  • Your bad credit is ok
  • Must Be In Business 3 Months Min.


  • We have money to lend now
  • We give honest, professional advice
  • When your bank says “no,” we say “yes”

Our Loan Specialists Are Standing By, Call Us Now:    855-889-1990

You Can Get a Business Loan with Bad Credit

At First Choice Business Capital, we can help you get the extra money you really need in Ontario, CA. Traditional banks often reject funds to businesses that do not have good credit, which causes much frustration to the owners. We understand your pain. Regardless of a bad credit history, we can have many business funding options available, such as cash advances, short-term loans and much more.

Getting a Business Loan with Bad Credit, Fact or Fallacy?

Studies have shown that approximately 70 percent of companies will not qualify for traditional bank loans. So if you have been denied, you find yourself in the majority. Banks deny loans for many reasons. Bad credit can be the main reason for many denials, but there could very well also be tax liens against the company, and court judgments can affect the outcome as well.Once a bank turns down a loan, the business often gives up the search for funds. Nonetheless, there are other options.

A business must have working capital in order to stay afloat, since it is the foundation on which to keep operating. From 2008, gaining access to capital has become a problem as a result of new regulations. They apply to small and medium-sized entities. This means that those operations with under 50 employees are the ones affected. This is quite the dilemma, yet it has opened the market up for different lending options.

If you are interested in a financing approach that does not take the traditional route, a high-risk lender like First Choice Business Capital can provide the cash you need, faster than you ever thought possible. By making use of the alternative finance options available, it is true that a business with bad credit can get financing.

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Ontario, CA, Bad Credit Business Loan Options

Most companies are not acutely aware of the choices easily available to them. Even unsecured short-term business loans bad credit are possible. Small, medium and even large organizations can qualify for uncollateralized loans. Even with bad credit, it is likely to get approved today. Loans are available in the market, even with no collateral and negative credit. Furthermore, you can get bad credit business loans fast and that’s no fiction. First Choice Business Capital can not only deliver you the money you need, but provide bad credit business loans fast. Many times, financing occurs in only 24 hours. You will be putting that money to work a lot faster than you ever thought conceivable! Are you desperate for small business loans, but suffer from awful credit? No worry at all! First Choice understands the struggle. We take pride in helping you solve your financial predicament as quickly as possible, and we possess a high approval rate as well.

Business Cash Advances, Short-Term Loans and Unsecured Loans

One type of alternative lending is often referred to as a merchant cash advance, also known as MCA. When a traditional bank turns down a loan, MCAs can provide the money required to stay running. These alternative loan solutions are easy to qualify for. since no collateral is required.We offer custom lending for businesses in all types of industries. We do not provide start-up loans, so you must definitely have a business that has been operating for a minimum of three months. Apart from that, we are going to need to see that you deposit a minimum of eight thousand dollars each of the past three successive months.

What Are the Merits of Merchant Cash Advances?

Applying for a merchant cash advance definitely has its perks and advantages. A top example of one of these perks is how quickly a merchant cash advance is financed. Where traditional banks can take a long time, an MCA could be approved and paid in only a fraction of the time. As much as 90 percent of these loans are approved. Finally, these loans are generally funded in 48-96 hours after approval.

The loan experience is painless, too. All that is involved to be completed is one simple page and have your business’s last six months of bank statements ready as well. A merchant cash advance is an excellent solution for companies that need cash in a flash. These loans are considered short-term business loans and have a fixed cost of capital. They usually are paid back within four months to a year and a half. Payments can be made either daily or weekly. Payment loans made daily are on Monday through Friday. Merchant cash advances typically have around 20 and 22 payments each month.


We Coordinate with Many Businesses

Short-term business loans bad credit can be received by many types of businesses. A merchant cash advance company like First Choice will not discriminate based on business type. The following is a few of the types of businesses we like to hear from: Home Health Services, Heating and Cooling, Interior Decorators, Masonry and Stonework, Pest Control, Rigging and Scaffolding, Tire Shops, Trucking, Water Well Drilling, Wrecking and Demolition companies, Automotive/Mechanic Repair Shops, Auto Body Repair and Painting, Bars and Restaurants, Beauty Shops, Carpentry, Construction, Driveway and Parking Pavement, Gasoline Service Stations and General Building Contractors. Any of these companies and many more can obtain business loans with bad credit. If you meet the criteria we pointed out previously, First Capital can work with you.

Our 2-minute application saves you a lot of time, as does our 24-hour approval process.  We collect only the information we need, and get you approved and funded quickly.  If you need a business loan fast, simply fill out the online application now!

States where We Do Business

Merchant cash advances are out there to business entities in the following states: Alaska, Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nevada, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wyoming and Wisconsin.

Work Only with Dependable Bad Credit Business Lenders!

For companies with below average credit looking to acquire bad credit small business loans, always check the reputation of the agent. You should be careful, as navigating through all the different lending institutions can be a bit tricky. It is unfortunate when a borrower is declined because a broker providing incorrect relevant information to a lender. Respectable brokers know loans and the underwriting system well. They recognize what it requires to get business finances.

The amount of the credit could also be increased, if the brokerage house knows how to make it happen..You should also know that some brokerage houses could even syndicate offers, which can boost the total approval amounts. Also, a good broker should stop your deal getting submitted to multiple lenders, because doing so could lower your credit score even more. You really want to choose a trustworthy company like First Choice Business Capital to make sure this does not happen.

If You Need a Bad Credit Business Loan, Call Us as Soon as Possible

There is no need to hesitate or wait for your credit score to increase to apply for a business loan. Keep your personal belongings — you don’t have to worry about not having enough collateral. It is a simple, one-page application. Fill it out online or call us today!

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